Is STEL or TCBIO more undervalued in 2026?

CirclFi compares Stellar Bancorp, Inc. (STEL) and Texas Capital Bancshares, Inc. (TCBIO) using 13 institutional-grade valuation models. STEL has a Quality of Company score of 8.1/10 while TCBIO scores 8.5/10.

Which is a better buy — STEL or TCBIO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do STEL and TCBIO valuations compare?

STEL at $37.49 and TCBIO at $21.27 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

STEL vs TCBIO Valuation Comparison 2026 — Intrinsic Value Analysis

STEL

Banks - Regional

Stellar Bancorp, Inc.

Quality

8.1

out of 10

Value Trap

LOW

Price

$37.49

Last close

Models

12/13

Active

TCBIO

Banks - Regional

Texas Capital Bancshares, Inc.

Quality

8.5

out of 10

Value Trap

SAFE

Price

$21.27

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	STEL Fair Value	STEL Upside	TCBIO Fair Value	TCBIO Upside
Bayesian DCF	Intrinsic	$22.55	-39.8%	$66.78	+214.0%
Earnings Power Value	Intrinsic	$33.63	-10.3%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$98.63	+163.1%	$45.58	+111.2%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for STEL vs TCBIO — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

STEL vs TCBIO — Which Stock Is More Undervalued?

TCBIO scores higher with a 8.5/10 quality rating vs STEL's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Stellar Bancorp, Inc. (STEL) and Texas Capital Bancshares, Inc. (TCBIO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

STEL currently trades at $37.49 with a QOC of 8.1/10, while TCBIO trades at $21.27 with a QOC of 8.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).